HDFC SIP Plans
HDFC SIP Plans offer investors a smart and disciplined way to build wealth through mutual funds. Designed for those who prefer regular investing over market timing, these plans focus on quality funds that have shown strong performance even during market ups and downs. By staying true to long-term goals, HDFC SIP Plans help investors grow their money steadily and confidently.
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Top HDFC SIP Plans in 2026
HDFC offers a wide range of SIP plans across different categories of ULIP funds and mutual funds.
| Fund Name | AUM | Return 3 Years | Return 5 Years | Minimum Investment | Return Since Launch |
|---|---|---|---|---|---|
| HDFC Flexi Cap Fund Regular-Growth | ₹113,606.47 Crs | 13.44% | 14.77% | ₹100 | 18.06% |
| HDFC Balanced Advantage Fund Regular-Growth | ₹107,295.79 Crs | 9.29% | 12.48% | ₹100 | 17.33% |
| HDFC Large Cap Fund Regular-Growth | ₹39,933.37 Crs | 6.7% | 8.91% | ₹100 | 17.56% |
| HDFC Small Cap Fund Regular-Growth | ₹41,890.86 Crs | 8.73% | 12.83% | ₹100 | 15.1% |
| HDFC Mid Cap Fund Regular-Growth | ₹108,324.55 Crs | 14.39% | 16.73% | ₹100 | 16.74% |
Details of HDFC SIP Plans-Top 5 Mutual Fund Schemes
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HDFC Flexi Cap Fund Regular Growth
The investment objective of HDFC Flexi Cap Fund Regular Growth is to generate long-term capital appreciation by investing predominantly in equity and equity-related instruments across market capitalizations-large-cap, mid-cap, and small-cap companies. There is no assurance that the investment objective of the scheme will be achieved.
Parameters Details Fund Name HDFC Flexi Cap Fund Regular-Growth NAV AUM ₹113,606.47 Crs Expense Ratio 1.37% Return 3 Years 13.44% Return 5 Years 14.77% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 1st January, 1995 Asset Allocation Equity: 94.89%, Debt: 0.45%, Others: 2.47% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- ICICI Bank Ltd
- HDFC Bank Ltd
- Axis Bank Ltd
- State Bank of India
- SBI Life Insurance Company Ltd
- Kotak Mahindra Bank Ltd
- Maruti Suzuki India Ltd
- Cipla Ltd
- Larsen & Toubro Ltd
Fund Managers - Roshi Jain
- Dhruv Muchhal
Fund Type Open-ended -
HDFC Balanced Advantage Fund Regular-Growth
The HDFC Balanced Advantage Fund Regular-Growth aims to generate long-term capital appreciation and income by dynamically allocating investments between equity and debt instruments based on market valuations.
Parameters Details Fund Name HDFC Balanced Advantage Fund Regular-Growth NAV AUM ₹107,295.79 Crs Expense Ratio 1.31% Return 3 Years 9.29% Return 5 Years 12.48% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 11th September, 2000 Asset Allocation Equity: 73.3%, Debt: 23.86%, Others: 1.25% Top Sectors - Real Estate
- Technology
- Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Cash Margin
- Reliance Industries Ltd
- State Bank of India
- Bharti Airtel Ltd
- Repo
- Reverse Repo
- Infosys Ltd
- Axis Bank Ltd
Fund Managers - Anil Bamboli
- Gopal Agrawal
- Arun Agarwal
- Srinivasan Ramamurthy
- Dhruv Muchhal
- Nandita Menezes
Fund Type Open-ended -
HDFC Large Cap Fund Regular-Growth
The HDFC Large Cap Fund Regular-Growth primarily aims to generate long-term capital appreciation by investing in large-cap companies that are part of the BSE 200 index. The fund focuses on well-established businesses with strong fundamentals and aims to deliver stable growth through diversified equity exposure.
Parameters Details Fund Name HDFC Large Cap Fund Regular-Growth NAV AUM ₹39,933.37 Crs Expense Ratio 1.58% Return 3 Years 6.7% Return 5 Years 8.91% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 4th September, 1996 Asset Allocation Equity: 98.58%, Debt: 0.48%, Others: 0.94% Top Sectors - Healthcare
- Materials
- Real Estate
- Technology
- Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
Top Holdings - HDFC Bank Ltd
- ICICI Bank Ltd
- Bharti Airtel Ltd
- Reliance Industries Ltd
- Kotak Mahindra Bank Ltd
- Titan Company Ltd
- Repo
- Torrent Pharmaceuticals Ltd
- Infosys Ltd
- NTPC Ltd
Fund Managers - Rahul Baijal
- Dhruv Muchhal
Fund Type Open-ended -
HDFC Small Cap Fund Regular-Growth
The HDFC Small Cap Fund Regular-Growth is designed to deliver long-term capital appreciation by predominantly investing in small-cap companies that have high growth potential but carry higher market risk. The fund aims to generate superior returns by identifying undervalued companies with strong fundamentals and sustainable business models.
Parameters Details Fund Name HDFC Small Cap Fund Regular-Growth NAV AUM ₹41,890.86 Crs Expense Ratio 1.56% Return 3 Years 8.73% Return 5 Years 12.83% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 3rd April, 2008 Asset Allocation Equity: 89.64%, Others: 10.36% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- Firstsource Solutions Ltd
- Aster DM Healthcare Ltd
- eClerx Services Ltd
- Bank Of Baroda
- Gabriel India Ltd
- Eris Lifesciences Ltd
- Fortis Healthcare Ltd
- Indian Bank
- Krishna Institute Of Medical Sciences Ltd
Fund Managers - Chirag Setalvad
- Dhruv Muchhal
Fund Type Open-ended -
HDFC Mid Cap Fund Regular-Growth
The investment objective of the HDFC Mid Cap Fund Regular-Growth is to generate long-term capital appreciation/income by investing predominantly in mid-cap companies, with an aim to create a diversified equity portfolio for long-term growth in value.
Parameters Details Fund Name HDFC Mid Cap Fund Regular-Growth NAV AUM ₹108,324.55 Crs Expense Ratio 1.31% Return 3 Years 14.39% Return 5 Years 16.73% Minimum Investment SIP ₹1000 & Lumpsum ₹100 Risk Level Principal at very high risk Launch Date 25th June, 2007 Asset Allocation Equity: 92.93%, Others: 7.07% Top Sectors - Consumer Discretionary
- Industrials
- Consumer Staples
- Diversified
- Energy & Utilities
- Financial
- Healthcare
- Materials
- Technology
Top Holdings - Repo
- Max Financial Services Ltd
- AU Small Finance Bank Ltd
- The Federal Bank Ltd
- Indian Bank
- Balkrishna Industries Ltd
- Glenmark Pharmaceuticals Ltd
- Ipca Laboratories Ltd
- Coforge Ltd
- Fortis Healthcare Ltd
Fund Managers - Chirag Setalvad
- Dhruv Muchhal
Fund Type Open-ended
How Does HDFC SIP Plans Work?
- Picking your fund: First, you’ve got to decide where your money is going. Depending on what you’re saving for, maybe a down payment on a house or just long-term wealth, you'll pick an Equity, Debt, or Hybrid fund.
- The specifics: You decide the "how much" and "how often." You can start with as little as ₹100 or ₹500. Most people just stick to a monthly schedule to match their paycheck.
- Setting it on autopilot: You set up a bank mandate. On your selected date, HDFC pulls the cash and buys units based on that day’s NAV. You don't have to lift a finger after the initial setup.
- The "Market Math": Because the market fluctuates, your fixed investment buys different amounts of units every month. When prices are low, you get more units; when they're high, you buy fewer. Over time, this Rupee Cost Averaging helps lower your average cost per unit without you having to "time" the market.
Summing It Up
HDFC SIP plans offer a convenient and disciplined approach to investing in market-linked funds, allowing you to achieve your financial goals through regular and systematic contributions. With a diverse range of investment options and the flexibility to start with minimal amounts, HDFC SIP plans empower you to build wealth over time while mitigating market volatility.
FAQ's
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What are the benefits of investing in HDFC SIP Plans?
There are several benefits:-
Rupee-cost averaging: Helps you buy more units when the market is low and fewer units when it is high, potentially balancing the overall investment cost.
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Disciplined investing: Encourages regular saving and avoids the need to time the market.
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Start small: HDFC SIPs can be started with as low as Rs. 100, making them accessible to almost everyone.
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Compounding: Regular investments grow over time with the power of compounding, maximizing returns.
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Which HDFC SIP Plans can I invest through SIP?
HDFC offers a wide variety of SIP plans across various equity, debt, hybrid, and sectoral market-linked schemes. You can choose the best SIP plan that aligns with your investment goals and risk tolerance. -
What is the minimum investment amount for HDFC SIP Plan?
HDFC allows you to start investing with as little as Rs. 100 per SIP, making it a great option for beginners or those on a budget. -
Can I change the SIP amount or investment frequency later?
Yes, most HDFC SIP plans offer the flexibility to modify your SIP amount or investment frequency after a certain initial period. -
What are the tax implications of investing in HDFC SIP Plans?
Dividends from equity-oriented SIPs held for over a year are taxed at 10% (Long Term Capital Gains), while debt SIPs are taxed as per your income tax slab.
